THE REQUIREMENTS / UP FRONT
Before you apply.
High comp. High standards. Here’s what the offer and review process mean.
Who is this for?
Experienced independent life producers who want to sell insurance without recruiting or building a downline. At least 12 months licensed, an active life license, a matching NPN and recent production evidence are required.
Is every product 130%?
Yes. Every product we offer pays 130%, always: term life, IUL and final expense. Your carrier agreement sets payment timing, advances, renewals and chargebacks.
Are advances guaranteed?
No. A 75% advance depends on carrier approval, and your carrier and agency agreements set repayment and chargebacks. If you contract as an LLC, your agreement may include an individual guarantee.
What if my license is inactive or my NPN does not match?
The application pauses for correction. It is not immediately denied. A reviewer must verify the record and allow the issue to be resolved. Applicants licensed for less than 12 months do not meet the current eligibility policy.
What documents will I need?
Recent carrier production statements and available persistency reports from one or more carriers. History disclosures may need explanations and supporting documents. Missing persistency records go to manual review.
Will debt or a payment plan disqualify me?
An affirmative answer routes to manual review with context. Debt and payment plans are not automatically labeled fraud. You can clarify or dispute inaccurate information.
When can screening start?
Only after your consent and eligibility validation. Identity, industry debt, soft credit and background authorizations are separate.
Does a soft inquiry affect my credit score?
No. A soft inquiry does not affect your credit score. It runs only with your authorization and for a permissible purpose, and a credit score alone never triggers automatic rejection.
What happens after approval?
Agency agreements, any advance/chargeback obligations and applicable guarantees are reviewed and signed, followed by carrier appointment approvals. CRM activation follows completed contracting and required approvals. No advance privileges are granted before all approvals.
What if I disagree with a decision?
Request reconsideration and provide clarification, or dispute inaccurate records.